Home » About us » Blog

The Pepper Money Blog

Our latest blog posts from Pepper Money

Whether you’re looking for our latest product announcement or insights from one of our industry experts, you can find out more about what we’re up to and the markets we operate in.

what affects house prices in the UK

Blog

What affects house prices in the UK?

Discover what influences house prices in the UK including market trends, location, and the economy. Understand the factors affecting property values.

May 29, 2025

what is loan to value

Blog

What is loan to value?

What is loan-to-value (LTV)? Learn how LTV affects your mortgage, why it matters to lenders, and how to get the best rates based on your deposit size.

April 14, 2025

do first time buyers pay stamp duty

Blog

Do first-time buyers pay stamp duty?

Do first-time buyers have to pay stamp duty? Learn about the UK’s stamp duty rules, exemptions, and how much you might need to pay when buying your first home.

April 14, 2025

how to get a mortgage as a first time buyer

Blog

How to get a mortgage as a first-time buyer?

Buying your first home? This step-by-step guide walks you through the entire mortgage process, from saving a deposit to getting approved and securing your home.

April 9, 2025

what are mortgage interest rates if you are self employed

Blog

What are mortgage interest rates if you are self-employed?

What are mortgage interest rates if you’re self-employed? Learn how lenders assess self-employed applicants, factors affecting rates, and tips to secure the best deal.

March 31, 2025

how do I calculate loan to value

Blog

How do I calculate loan to value?

Wondering how to calculate loan-to-value (LTV)? Learn the simple formula, why LTV matters for mortgages, and how it affects interest rates and borrowing options.

March 31, 2025

can you use gifted money for a house deposit

Blog

Can you use gifted money for a house deposit?

Can you use gifted money for a house deposit? Learn how mortgage lenders view gifted deposits, what proof is required, and potential tax implications.

March 24, 2025

getting a mortgage with adverse credit

Blog

Getting a mortgage with adverse credit

Struggling to get a mortgage with adverse credit? Learn how specialist lenders can help, what criteria they use, and steps to improve your chances of approval.

March 21, 2025

who is the best mortgage lender if you have a low credit score

Blog

Who is the best mortgage lender if you have a low credit score?

Looking for the best mortgage lender with a low credit score? Discover top lenders, their criteria, and tips to improve your chances of approval in this guide.

March 21, 2025

img:is([sizes="auto" i],[sizes^="auto," i]){contain-intrinsic-size:3000px 1500px;}.be-ix-link-block{}@-webkit-keyframes ha_fadeIn{0%{opacity:0;}to{opacity:1;}}@keyframes ha_fadeIn{0%{opacity:0;}to{opacity:1;}}@-webkit-keyframes ha_zoomIn{0%{opacity:0;-webkit-transform:scale3d(.3,.3,.3);transform:scale3d(.3,.3,.3);}50%{opacity:1;}}@keyframes ha_zoomIn{0%{opacity:0;-webkit-transform:scale3d(.3,.3,.3);transform:scale3d(.3,.3,.3);}50%{opacity:1;}}@-webkit-keyframes ha_rollIn{0%{opacity:0;-webkit-transform:translate3d(-100%,0,0) rotate3d(0,0,1,-120deg);transform:translate3d(-100%,0,0) rotate3d(0,0,1,-120deg);}to{opacity:1;}}@keyframes ha_rollIn{0%{opacity:0;-webkit-transform:translate3d(-100%,0,0) rotate3d(0,0,1,-120deg);transform:translate3d(-100%,0,0) rotate3d(0,0,1,-120deg);}to{opacity:1;}}@-webkit-keyframes ha_bounce{0%,20%,53%,to{-webkit-animation-timing-function:cubic-bezier(.215,.61,.355,1);animation-timing-function:cubic-bezier(.215,.61,.355,1);}40%,43%{-webkit-transform:translate3d(0,-30px,0) scaleY(1.1);transform:translate3d(0,-30px,0) scaleY(1.1);-webkit-animation-timing-function:cubic-bezier(.755,.05,.855,.06);animation-timing-function:cubic-bezier(.755,.05,.855,.06);}70%{-webkit-transform:translate3d(0,-15px,0) scaleY(1.05);transform:translate3d(0,-15px,0) scaleY(1.05);-webkit-animation-timing-function:cubic-bezier(.755,.05,.855,.06);animation-timing-function:cubic-bezier(.755,.05,.855,.06);}80%{-webkit-transition-timing-function:cubic-bezier(.215,.61,.355,1);transition-timing-function:cubic-bezier(.215,.61,.355,1);-webkit-transform:translate3d(0,0,0) scaleY(.95);transform:translate3d(0,0,0) scaleY(.95);}90%{-webkit-transform:translate3d(0,-4px,0) scaleY(1.02);transform:translate3d(0,-4px,0) scaleY(1.02);}}@keyframes ha_bounce{0%,20%,53%,to{-webkit-animation-timing-function:cubic-bezier(.215,.61,.355,1);animation-timing-function:cubic-bezier(.215,.61,.355,1);}40%,43%{-webkit-transform:translate3d(0,-30px,0) scaleY(1.1);transform:translate3d(0,-30px,0) scaleY(1.1);-webkit-animation-timing-function:cubic-bezier(.755,.05,.855,.06);animation-timing-function:cubic-bezier(.755,.05,.855,.06);}70%{-webkit-transform:translate3d(0,-15px,0) scaleY(1.05);transform:translate3d(0,-15px,0) scaleY(1.05);-webkit-animation-timing-function:cubic-bezier(.755,.05,.855,.06);animation-timing-function:cubic-bezier(.755,.05,.855,.06);}80%{-webkit-transition-timing-function:cubic-bezier(.215,.61,.355,1);transition-timing-function:cubic-bezier(.215,.61,.355,1);-webkit-transform:translate3d(0,0,0) scaleY(.95);transform:translate3d(0,0,0) scaleY(.95);}90%{-webkit-transform:translate3d(0,-4px,0) scaleY(1.02);transform:translate3d(0,-4px,0) scaleY(1.02);}}@-webkit-keyframes ha_bounceIn{0%,20%,40%,60%,80%,to{-webkit-animation-timing-function:cubic-bezier(.215,.61,.355,1);animation-timing-function:cubic-bezier(.215,.61,.355,1);}0%{opacity:0;-webkit-transform:scale3d(.3,.3,.3);transform:scale3d(.3,.3,.3);}20%{-webkit-transform:scale3d(1.1,1.1,1.1);transform:scale3d(1.1,1.1,1.1);}40%{-webkit-transform:scale3d(.9,.9,.9);transform:scale3d(.9,.9,.9);}60%{opacity:1;-webkit-transform:scale3d(1.03,1.03,1.03);transform:scale3d(1.03,1.03,1.03);}80%{-webkit-transform:scale3d(.97,.97,.97);transform:scale3d(.97,.97,.97);}to{opacity:1;}}@keyframes ha_bounceIn{0%,20%,40%,60%,80%,to{-webkit-animation-timing-function:cubic-bezier(.215,.61,.355,1);animation-timing-function:cubic-bezier(.215,.61,.355,1);}0%{opacity:0;-webkit-transform:scale3d(.3,.3,.3);transform:scale3d(.3,.3,.3);}20%{-webkit-transform:scale3d(1.1,1.1,1.1);transform:scale3d(1.1,1.1,1.1);}40%{-webkit-transform:scale3d(.9,.9,.9);transform:scale3d(.9,.9,.9);}60%{opacity:1;-webkit-transform:scale3d(1.03,1.03,1.03);transform:scale3d(1.03,1.03,1.03);}80%{-webkit-transform:scale3d(.97,.97,.97);transform:scale3d(.97,.97,.97);}to{opacity:1;}}@-webkit-keyframes ha_flipInX{0%{opacity:0;-webkit-transform:perspective(400px) rotate3d(1,0,0,90deg);transform:perspective(400px) rotate3d(1,0,0,90deg);-webkit-animation-timing-function:ease-in;animation-timing-function:ease-in;}40%{-webkit-transform:perspective(400px) rotate3d(1,0,0,-20deg);transform:perspective(400px) rotate3d(1,0,0,-20deg);-webkit-animation-timing-function:ease-in;animation-timing-function:ease-in;}60%{opacity:1;-webkit-transform:perspective(400px) rotate3d(1,0,0,10deg);transform:perspective(400px) rotate3d(1,0,0,10deg);}80%{-webkit-transform:perspective(400px) rotate3d(1,0,0,-5deg);transform:perspective(400px) rotate3d(1,0,0,-5deg);}}@keyframes ha_flipInX{0%{opacity:0;-webkit-transform:perspective(400px) rotate3d(1,0,0,90deg);transform:perspective(400px) rotate3d(1,0,0,90deg);-webkit-animation-timing-function:ease-in;animation-timing-function:ease-in;}40%{-webkit-transform:perspective(400px) rotate3d(1,0,0,-20deg);transform:perspective(400px) rotate3d(1,0,0,-20deg);-webkit-animation-timing-function:ease-in;animation-timing-function:ease-in;}60%{opacity:1;-webkit-transform:perspective(400px) rotate3d(1,0,0,10deg);transform:perspective(400px) rotate3d(1,0,0,10deg);}80%{-webkit-transform:perspective(400px) rotate3d(1,0,0,-5deg);transform:perspective(400px) rotate3d(1,0,0,-5deg);}}@-webkit-keyframes ha_flipInY{0%{opacity:0;-webkit-transform:perspective(400px) rotate3d(0,1,0,90deg);transform:perspective(400px) rotate3d(0,1,0,90deg);-webkit-animation-timing-function:ease-in;animation-timing-function:ease-in;}40%{-webkit-transform:perspective(400px) rotate3d(0,1,0,-20deg);transform:perspective(400px) rotate3d(0,1,0,-20deg);-webkit-animation-timing-function:ease-in;animation-timing-function:ease-in;}60%{opacity:1;-webkit-transform:perspective(400px) rotate3d(0,1,0,10deg);transform:perspective(400px) rotate3d(0,1,0,10deg);}80%{-webkit-transform:perspective(400px) rotate3d(0,1,0,-5deg);transform:perspective(400px) rotate3d(0,1,0,-5deg);}}@keyframes ha_flipInY{0%{opacity:0;-webkit-transform:perspective(400px) rotate3d(0,1,0,90deg);transform:perspective(400px) rotate3d(0,1,0,90deg);-webkit-animation-timing-function:ease-in;animation-timing-function:ease-in;}40%{-webkit-transform:perspective(400px) rotate3d(0,1,0,-20deg);transform:perspective(400px) rotate3d(0,1,0,-20deg);-webkit-animation-timing-function:ease-in;animation-timing-function:ease-in;}60%{opacity:1;-webkit-transform:perspective(400px) rotate3d(0,1,0,10deg);transform:perspective(400px) rotate3d(0,1,0,10deg);}80%{-webkit-transform:perspective(400px) rotate3d(0,1,0,-5deg);transform:perspective(400px) rotate3d(0,1,0,-5deg);}}@-webkit-keyframes ha_swing{20%{-webkit-transform:rotate3d(0,0,1,15deg);transform:rotate3d(0,0,1,15deg);}40%{-webkit-transform:rotate3d(0,0,1,-10deg);transform:rotate3d(0,0,1,-10deg);}60%{-webkit-transform:rotate3d(0,0,1,5deg);transform:rotate3d(0,0,1,5deg);}80%{-webkit-transform:rotate3d(0,0,1,-5deg);transform:rotate3d(0,0,1,-5deg);}}@keyframes ha_swing{20%{-webkit-transform:rotate3d(0,0,1,15deg);transform:rotate3d(0,0,1,15deg);}40%{-webkit-transform:rotate3d(0,0,1,-10deg);transform:rotate3d(0,0,1,-10deg);}60%{-webkit-transform:rotate3d(0,0,1,5deg);transform:rotate3d(0,0,1,5deg);}80%{-webkit-transform:rotate3d(0,0,1,-5deg);transform:rotate3d(0,0,1,-5deg);}}@-webkit-keyframes ha_slideInDown{0%{visibility:visible;-webkit-transform:translate3d(0,-100%,0);transform:translate3d(0,-100%,0);}}@keyframes ha_slideInDown{0%{visibility:visible;-webkit-transform:translate3d(0,-100%,0);transform:translate3d(0,-100%,0);}}@-webkit-keyframes ha_slideInUp{0%{visibility:visible;-webkit-transform:translate3d(0,100%,0);transform:translate3d(0,100%,0);}}@keyframes ha_slideInUp{0%{visibility:visible;-webkit-transform:translate3d(0,100%,0);transform:translate3d(0,100%,0);}}@-webkit-keyframes ha_slideInLeft{0%{visibility:visible;-webkit-transform:translate3d(-100%,0,0);transform:translate3d(-100%,0,0);}}@keyframes ha_slideInLeft{0%{visibility:visible;-webkit-transform:translate3d(-100%,0,0);transform:translate3d(-100%,0,0);}}@-webkit-keyframes ha_slideInRight{0%{visibility:visible;-webkit-transform:translate3d(100%,0,0);transform:translate3d(100%,0,0);}}@keyframes ha_slideInRight{0%{visibility:visible;-webkit-transform:translate3d(100%,0,0);transform:translate3d(100%,0,0);}}.ha_fadeIn{-webkit-animation-name:ha_fadeIn;animation-name:ha_fadeIn;}.ha_zoomIn{-webkit-animation-name:ha_zoomIn;animation-name:ha_zoomIn;}.ha_rollIn{-webkit-animation-name:ha_rollIn;animation-name:ha_rollIn;}.ha_bounce{-webkit-transform-origin:center bottom;-ms-transform-origin:center bottom;transform-origin:center bottom;-webkit-animation-name:ha_bounce;animation-name:ha_bounce;}.ha_bounceIn{-webkit-animation-name:ha_bounceIn;animation-name:ha_bounceIn;-webkit-animation-duration:.75s;-webkit-animation-duration:calc(var(--animate-duration) * .75);animation-duration:.75s;animation-duration:calc(var(--animate-duration) * .75);}.ha_flipInX,.ha_flipInY{-webkit-animation-name:ha_flipInX;animation-name:ha_flipInX;-webkit-backface-visibility:visible !important;backface-visibility:visible !important;}.ha_flipInY{-webkit-animation-name:ha_flipInY;animation-name:ha_flipInY;}.ha_swing{-webkit-transform-origin:top center;-ms-transform-origin:top center;transform-origin:top center;-webkit-animation-name:ha_swing;animation-name:ha_swing;}.ha_slideInDown{-webkit-animation-name:ha_slideInDown;animation-name:ha_slideInDown;}.ha_slideInUp{-webkit-animation-name:ha_slideInUp;animation-name:ha_slideInUp;}.ha_slideInLeft{-webkit-animation-name:ha_slideInLeft;animation-name:ha_slideInLeft;}.ha_slideInRight{-webkit-animation-name:ha_slideInRight;animation-name:ha_slideInRight;}.ha-css-transform-yes{-webkit-transition-duration:var(--ha-tfx-transition-duration,.2s);transition-duration:var(--ha-tfx-transition-duration,.2s);-webkit-transition-property:-webkit-transform;transition-property:transform;transition-property:transform,-webkit-transform;-webkit-transform:translate(var(--ha-tfx-translate-x,0),var(--ha-tfx-translate-y,0)) scale(var(--ha-tfx-scale-x,1),var(--ha-tfx-scale-y,1)) skew(var(--ha-tfx-skew-x,0),var(--ha-tfx-skew-y,0)) rotateX(var(--ha-tfx-rotate-x,0)) rotateY(var(--ha-tfx-rotate-y,0)) rotateZ(var(--ha-tfx-rotate-z,0));transform:translate(var(--ha-tfx-translate-x,0),var(--ha-tfx-translate-y,0)) scale(var(--ha-tfx-scale-x,1),var(--ha-tfx-scale-y,1)) skew(var(--ha-tfx-skew-x,0),var(--ha-tfx-skew-y,0)) rotateX(var(--ha-tfx-rotate-x,0)) rotateY(var(--ha-tfx-rotate-y,0)) rotateZ(var(--ha-tfx-rotate-z,0));}.ha-css-transform-yes:hover{-webkit-transform:translate(var(--ha-tfx-translate-x-hover,var(--ha-tfx-translate-x,0)),var(--ha-tfx-translate-y-hover,var(--ha-tfx-translate-y,0))) scale(var(--ha-tfx-scale-x-hover,var(--ha-tfx-scale-x,1)),var(--ha-tfx-scale-y-hover,var(--ha-tfx-scale-y,1))) skew(var(--ha-tfx-skew-x-hover,var(--ha-tfx-skew-x,0)),var(--ha-tfx-skew-y-hover,var(--ha-tfx-skew-y,0))) rotateX(var(--ha-tfx-rotate-x-hover,var(--ha-tfx-rotate-x,0))) rotateY(var(--ha-tfx-rotate-y-hover,var(--ha-tfx-rotate-y,0))) rotateZ(var(--ha-tfx-rotate-z-hover,var(--ha-tfx-rotate-z,0)));transform:translate(var(--ha-tfx-translate-x-hover,var(--ha-tfx-translate-x,0)),var(--ha-tfx-translate-y-hover,var(--ha-tfx-translate-y,0))) scale(var(--ha-tfx-scale-x-hover,var(--ha-tfx-scale-x,1)),var(--ha-tfx-scale-y-hover,var(--ha-tfx-scale-y,1))) skew(var(--ha-tfx-skew-x-hover,var(--ha-tfx-skew-x,0)),var(--ha-tfx-skew-y-hover,var(--ha-tfx-skew-y,0))) rotateX(var(--ha-tfx-rotate-x-hover,var(--ha-tfx-rotate-x,0))) rotateY(var(--ha-tfx-rotate-y-hover,var(--ha-tfx-rotate-y,0))) rotateZ(var(--ha-tfx-rotate-z-hover,var(--ha-tfx-rotate-z,0)));}.happy-addon>.elementor-widget-container{word-wrap:break-word;overflow-wrap:break-word;}.happy-addon>.elementor-widget-container,.happy-addon>.elementor-widget-container *{-webkit-box-sizing:border-box;box-sizing:border-box;}.happy-addon:not(:has(.elementor-widget-container)),.happy-addon:not(:has(.elementor-widget-container)) *{-webkit-box-sizing:border-box;box-sizing:border-box;word-wrap:break-word;overflow-wrap:break-word;}.happy-addon p:empty{display:none;}.happy-addon .elementor-inline-editing{min-height:auto !important;}.happy-addon-pro img{max-width:100%;height:auto;-o-object-fit:cover;object-fit:cover;}.ha-screen-reader-text{position:absolute;overflow:hidden;clip:rect(1px,1px,1px,1px);margin:-1px;padding:0;width:1px;height:1px;border:0;word-wrap:normal !important;-webkit-clip-path:inset(50%);clip-path:inset(50%);}.ha-has-bg-overlay>.elementor-widget-container{position:relative;z-index:1;}.ha-has-bg-overlay>.elementor-widget-container:before{position:absolute;top:0;left:0;z-index:-1;width:100%;height:100%;content:"";}.ha-has-bg-overlay:not(:has(.elementor-widget-container)){position:relative;z-index:1;}.ha-has-bg-overlay:not(:has(.elementor-widget-container)):before{position:absolute;top:0;left:0;z-index:-1;width:100%;height:100%;content:"";}.ha-popup--is-enabled .ha-js-popup,.ha-popup--is-enabled .ha-js-popup img{cursor:-webkit-zoom-in !important;cursor:zoom-in !important;}.mfp-wrap .mfp-arrow,.mfp-wrap .mfp-close{background-color:transparent;}.mfp-wrap .mfp-arrow:focus,.mfp-wrap .mfp-close:focus{outline-width:thin;}.ha-advanced-tooltip-enable{position:relative;cursor:pointer;--ha-tooltip-arrow-color:black;--ha-tooltip-arrow-distance:0;}.ha-advanced-tooltip-enable .ha-advanced-tooltip-content{position:absolute;z-index:999;display:none;padding:5px 0;width:120px;height:auto;border-radius:6px;background-color:#000;color:#fff;text-align:center;opacity:0;}.ha-advanced-tooltip-enable .ha-advanced-tooltip-content::after{position:absolute;border-width:5px;border-style:solid;content:"";}.ha-advanced-tooltip-enable .ha-advanced-tooltip-content.no-arrow::after{visibility:hidden;}.ha-advanced-tooltip-enable .ha-advanced-tooltip-content.show{display:inline-block;opacity:1;}.ha-advanced-tooltip-enable.ha-advanced-tooltip-top .ha-advanced-tooltip-content,body[data-elementor-device-mode=tablet] .ha-advanced-tooltip-enable.ha-advanced-tooltip-tablet-top .ha-advanced-tooltip-content{top:unset;right:0;bottom:calc(101% + var(--ha-tooltip-arrow-distance));left:0;margin:0 auto;}.ha-advanced-tooltip-enable.ha-advanced-tooltip-top .ha-advanced-tooltip-content::after,body[data-elementor-device-mode=tablet] .ha-advanced-tooltip-enable.ha-advanced-tooltip-tablet-top .ha-advanced-tooltip-content::after{top:100%;right:unset;bottom:unset;left:50%;border-color:var(--ha-tooltip-arrow-color) transparent transparent transparent;-webkit-transform:translateX(-50%);-ms-transform:translateX(-50%);transform:translateX(-50%);}.ha-advanced-tooltip-enable.ha-advanced-tooltip-bottom .ha-advanced-tooltip-content,body[data-elementor-device-mode=tablet] .ha-advanced-tooltip-enable.ha-advanced-tooltip-tablet-bottom .ha-advanced-tooltip-content{top:calc(101% + var(--ha-tooltip-arrow-distance));right:0;bottom:unset;left:0;margin:0 auto;}.ha-advanced-tooltip-enable.ha-advanced-tooltip-bottom .ha-advanced-tooltip-content::after,body[data-elementor-device-mode=tablet] .ha-advanced-tooltip-enable.ha-advanced-tooltip-tablet-bottom .ha-advanced-tooltip-content::after{top:unset;right:unset;bottom:100%;left:50%;border-color:transparent transparent var(--ha-tooltip-arrow-color) transparent;-webkit-transform:translateX(-50%);-ms-transform:translateX(-50%);transform:translateX(-50%);}.ha-advanced-tooltip-enable.ha-advanced-tooltip-left .ha-advanced-tooltip-content,body[data-elementor-device-mode=tablet] .ha-advanced-tooltip-enable.ha-advanced-tooltip-tablet-left .ha-advanced-tooltip-content{top:50%;right:calc(101% + var(--ha-tooltip-arrow-distance));bottom:unset;left:unset;-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);}.ha-advanced-tooltip-enable.ha-advanced-tooltip-left .ha-advanced-tooltip-content::after,body[data-elementor-device-mode=tablet] .ha-advanced-tooltip-enable.ha-advanced-tooltip-tablet-left .ha-advanced-tooltip-content::after{top:50%;right:unset;bottom:unset;left:100%;border-color:transparent transparent transparent var(--ha-tooltip-arrow-color);-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);}.ha-advanced-tooltip-enable.ha-advanced-tooltip-right .ha-advanced-tooltip-content,body[data-elementor-device-mode=tablet] .ha-advanced-tooltip-enable.ha-advanced-tooltip-tablet-right .ha-advanced-tooltip-content{top:50%;right:unset;bottom:unset;left:calc(101% + var(--ha-tooltip-arrow-distance));-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);}.ha-advanced-tooltip-enable.ha-advanced-tooltip-right .ha-advanced-tooltip-content::after,body[data-elementor-device-mode=tablet] .ha-advanced-tooltip-enable.ha-advanced-tooltip-tablet-right .ha-advanced-tooltip-content::after{top:50%;right:100%;bottom:unset;left:unset;border-color:transparent var(--ha-tooltip-arrow-color) transparent transparent;-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);}body[data-elementor-device-mode=mobile] .ha-advanced-tooltip-enable.ha-advanced-tooltip-mobile-top .ha-advanced-tooltip-content{top:unset;right:0;bottom:calc(101% + var(--ha-tooltip-arrow-distance));left:0;margin:0 auto;}body[data-elementor-device-mode=mobile] .ha-advanced-tooltip-enable.ha-advanced-tooltip-mobile-top .ha-advanced-tooltip-content::after{top:100%;right:unset;bottom:unset;left:50%;border-color:var(--ha-tooltip-arrow-color) transparent transparent transparent;-webkit-transform:translateX(-50%);-ms-transform:translateX(-50%);transform:translateX(-50%);}body[data-elementor-device-mode=mobile] .ha-advanced-tooltip-enable.ha-advanced-tooltip-mobile-bottom .ha-advanced-tooltip-content{top:calc(101% + var(--ha-tooltip-arrow-distance));right:0;bottom:unset;left:0;margin:0 auto;}body[data-elementor-device-mode=mobile] .ha-advanced-tooltip-enable.ha-advanced-tooltip-mobile-bottom .ha-advanced-tooltip-content::after{top:unset;right:unset;bottom:100%;left:50%;border-color:transparent transparent var(--ha-tooltip-arrow-color) transparent;-webkit-transform:translateX(-50%);-ms-transform:translateX(-50%);transform:translateX(-50%);}body[data-elementor-device-mode=mobile] .ha-advanced-tooltip-enable.ha-advanced-tooltip-mobile-left .ha-advanced-tooltip-content{top:50%;right:calc(101% + var(--ha-tooltip-arrow-distance));bottom:unset;left:unset;-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);}body[data-elementor-device-mode=mobile] .ha-advanced-tooltip-enable.ha-advanced-tooltip-mobile-left .ha-advanced-tooltip-content::after{top:50%;right:unset;bottom:unset;left:100%;border-color:transparent transparent transparent var(--ha-tooltip-arrow-color);-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);}body[data-elementor-device-mode=mobile] .ha-advanced-tooltip-enable.ha-advanced-tooltip-mobile-right .ha-advanced-tooltip-content{top:50%;right:unset;bottom:unset;left:calc(101% + var(--ha-tooltip-arrow-distance));-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);}body[data-elementor-device-mode=mobile] .ha-advanced-tooltip-enable.ha-advanced-tooltip-mobile-right .ha-advanced-tooltip-content::after{top:50%;right:100%;bottom:unset;left:unset;border-color:transparent var(--ha-tooltip-arrow-color) transparent transparent;-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);}body.elementor-editor-active .happy-addon.ha-gravityforms .gform_wrapper{display:block !important;}.ha-scroll-to-top-wrap.ha-scroll-to-top-hide{display:none;}.ha-scroll-to-top-wrap.edit-mode,.ha-scroll-to-top-wrap.single-page-off{display:none !important;}.ha-scroll-to-top-button{position:fixed;right:15px;bottom:15px;z-index:9999;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-align:center;-webkit-align-items:center;align-items:center;-ms-flex-align:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;width:50px;height:50px;border-radius:50px;background-color:#5636d1;color:#fff;text-align:center;opacity:1;cursor:pointer;-webkit-transition:all .3s;transition:all .3s;}.ha-scroll-to-top-button i{color:#fff;font-size:16px;}.ha-scroll-to-top-button:hover{background-color:#e2498a;}.ha-particle-wrapper{position:absolute;top:0;left:0;width:100%;height:100%;}.ha-floating-element{position:fixed;z-index:999;}.ha-floating-element-align-top-left .ha-floating-element{top:0;left:0;}.ha-floating-element-align-top-right .ha-floating-element{top:0;right:0;}.ha-floating-element-align-top-center .ha-floating-element{top:0;left:50%;-webkit-transform:translateX(-50%);-ms-transform:translateX(-50%);transform:translateX(-50%);}.ha-floating-element-align-middle-left .ha-floating-element{top:50%;left:0;-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);}.ha-floating-element-align-middle-right .ha-floating-element{top:50%;right:0;-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);}.ha-floating-element-align-bottom-left .ha-floating-element{bottom:0;left:0;}.ha-floating-element-align-bottom-right .ha-floating-element{right:0;bottom:0;}.ha-floating-element-align-bottom-center .ha-floating-element{bottom:0;left:50%;-webkit-transform:translateX(-50%);-ms-transform:translateX(-50%);transform:translateX(-50%);}.ha-editor-placeholder{padding:20px;border:5px double #f1f1f1;background:#f8f8f8;text-align:center;opacity:.5;}.ha-editor-placeholder-title{margin-top:0;margin-bottom:8px;font-weight:700;font-size:16px;}.ha-editor-placeholder-content{margin:0;font-size:12px;}.ha-p-relative{position:relative;}.ha-p-absolute{position:absolute;}.ha-p-fixed{position:fixed;}.ha-w-1{width:1%;}.ha-h-1{height:1%;}.ha-w-2{width:2%;}.ha-h-2{height:2%;}.ha-w-3{width:3%;}.ha-h-3{height:3%;}.ha-w-4{width:4%;}.ha-h-4{height:4%;}.ha-w-5{width:5%;}.ha-h-5{height:5%;}.ha-w-6{width:6%;}.ha-h-6{height:6%;}.ha-w-7{width:7%;}.ha-h-7{height:7%;}.ha-w-8{width:8%;}.ha-h-8{height:8%;}.ha-w-9{width:9%;}.ha-h-9{height:9%;}.ha-w-10{width:10%;}.ha-h-10{height:10%;}.ha-w-11{width:11%;}.ha-h-11{height:11%;}.ha-w-12{width:12%;}.ha-h-12{height:12%;}.ha-w-13{width:13%;}.ha-h-13{height:13%;}.ha-w-14{width:14%;}.ha-h-14{height:14%;}.ha-w-15{width:15%;}.ha-h-15{height:15%;}.ha-w-16{width:16%;}.ha-h-16{height:16%;}.ha-w-17{width:17%;}.ha-h-17{height:17%;}.ha-w-18{width:18%;}.ha-h-18{height:18%;}.ha-w-19{width:19%;}.ha-h-19{height:19%;}.ha-w-20{width:20%;}.ha-h-20{height:20%;}.ha-w-21{width:21%;}.ha-h-21{height:21%;}.ha-w-22{width:22%;}.ha-h-22{height:22%;}.ha-w-23{width:23%;}.ha-h-23{height:23%;}.ha-w-24{width:24%;}.ha-h-24{height:24%;}.ha-w-25{width:25%;}.ha-h-25{height:25%;}.ha-w-26{width:26%;}.ha-h-26{height:26%;}.ha-w-27{width:27%;}.ha-h-27{height:27%;}.ha-w-28{width:28%;}.ha-h-28{height:28%;}.ha-w-29{width:29%;}.ha-h-29{height:29%;}.ha-w-30{width:30%;}.ha-h-30{height:30%;}.ha-w-31{width:31%;}.ha-h-31{height:31%;}.ha-w-32{width:32%;}.ha-h-32{height:32%;}.ha-w-33{width:33%;}.ha-h-33{height:33%;}.ha-w-34{width:34%;}.ha-h-34{height:34%;}.ha-w-35{width:35%;}.ha-h-35{height:35%;}.ha-w-36{width:36%;}.ha-h-36{height:36%;}.ha-w-37{width:37%;}.ha-h-37{height:37%;}.ha-w-38{width:38%;}.ha-h-38{height:38%;}.ha-w-39{width:39%;}.ha-h-39{height:39%;}.ha-w-40{width:40%;}.ha-h-40{height:40%;}.ha-w-41{width:41%;}.ha-h-41{height:41%;}.ha-w-42{width:42%;}.ha-h-42{height:42%;}.ha-w-43{width:43%;}.ha-h-43{height:43%;}.ha-w-44{width:44%;}.ha-h-44{height:44%;}.ha-w-45{width:45%;}.ha-h-45{height:45%;}.ha-w-46{width:46%;}.ha-h-46{height:46%;}.ha-w-47{width:47%;}.ha-h-47{height:47%;}.ha-w-48{width:48%;}.ha-h-48{height:48%;}.ha-w-49{width:49%;}.ha-h-49{height:49%;}.ha-w-50{width:50%;}.ha-h-50{height:50%;}.ha-w-51{width:51%;}.ha-h-51{height:51%;}.ha-w-52{width:52%;}.ha-h-52{height:52%;}.ha-w-53{width:53%;}.ha-h-53{height:53%;}.ha-w-54{width:54%;}.ha-h-54{height:54%;}.ha-w-55{width:55%;}.ha-h-55{height:55%;}.ha-w-56{width:56%;}.ha-h-56{height:56%;}.ha-w-57{width:57%;}.ha-h-57{height:57%;}.ha-w-58{width:58%;}.ha-h-58{height:58%;}.ha-w-59{width:59%;}.ha-h-59{height:59%;}.ha-w-60{width:60%;}.ha-h-60{height:60%;}.ha-w-61{width:61%;}.ha-h-61{height:61%;}.ha-w-62{width:62%;}.ha-h-62{height:62%;}.ha-w-63{width:63%;}.ha-h-63{height:63%;}.ha-w-64{width:64%;}.ha-h-64{height:64%;}.ha-w-65{width:65%;}.ha-h-65{height:65%;}.ha-w-66{width:66%;}.ha-h-66{height:66%;}.ha-w-67{width:67%;}.ha-h-67{height:67%;}.ha-w-68{width:68%;}.ha-h-68{height:68%;}.ha-w-69{width:69%;}.ha-h-69{height:69%;}.ha-w-70{width:70%;}.ha-h-70{height:70%;}.ha-w-71{width:71%;}.ha-h-71{height:71%;}.ha-w-72{width:72%;}.ha-h-72{height:72%;}.ha-w-73{width:73%;}.ha-h-73{height:73%;}.ha-w-74{width:74%;}.ha-h-74{height:74%;}.ha-w-75{width:75%;}.ha-h-75{height:75%;}.ha-w-76{width:76%;}.ha-h-76{height:76%;}.ha-w-77{width:77%;}.ha-h-77{height:77%;}.ha-w-78{width:78%;}.ha-h-78{height:78%;}.ha-w-79{width:79%;}.ha-h-79{height:79%;}.ha-w-80{width:80%;}.ha-h-80{height:80%;}.ha-w-81{width:81%;}.ha-h-81{height:81%;}.ha-w-82{width:82%;}.ha-h-82{height:82%;}.ha-w-83{width:83%;}.ha-h-83{height:83%;}.ha-w-84{width:84%;}.ha-h-84{height:84%;}.ha-w-85{width:85%;}.ha-h-85{height:85%;}.ha-w-86{width:86%;}.ha-h-86{height:86%;}.ha-w-87{width:87%;}.ha-h-87{height:87%;}.ha-w-88{width:88%;}.ha-h-88{height:88%;}.ha-w-89{width:89%;}.ha-h-89{height:89%;}.ha-w-90{width:90%;}.ha-h-90{height:90%;}.ha-w-91{width:91%;}.ha-h-91{height:91%;}.ha-w-92{width:92%;}.ha-h-92{height:92%;}.ha-w-93{width:93%;}.ha-h-93{height:93%;}.ha-w-94{width:94%;}.ha-h-94{height:94%;}.ha-w-95{width:95%;}.ha-h-95{height:95%;}.ha-w-96{width:96%;}.ha-h-96{height:96%;}.ha-w-97{width:97%;}.ha-h-97{height:97%;}.ha-w-98{width:98%;}.ha-h-98{height:98%;}.ha-w-99{width:99%;}.ha-h-99{height:99%;}.ha-w-100{width:100%;}.ha-h-100{height:100%;}.ha-flex{display:-webkit-box !important;display:-webkit-flex !important;display:-ms-flexbox !important;display:flex !important;}.ha-flex-inline{display:-webkit-inline-box !important;display:-webkit-inline-flex !important;display:-ms-inline-flexbox !important;display:inline-flex !important;}.ha-flex-x-start{-webkit-box-pack:start;-ms-flex-pack:start;-webkit-justify-content:flex-start;justify-content:flex-start;}.ha-flex-x-end{-webkit-box-pack:end;-ms-flex-pack:end;-webkit-justify-content:flex-end;justify-content:flex-end;}.ha-flex-x-between{-webkit-box-pack:justify;-ms-flex-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;}.ha-flex-x-around{-ms-flex-pack:distribute;-webkit-justify-content:space-around;justify-content:space-around;}.ha-flex-x-even{-webkit-box-pack:space-evenly;-ms-flex-pack:space-evenly;-webkit-justify-content:space-evenly;justify-content:space-evenly;}.ha-flex-x-center{-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;}.ha-flex-y-top{-webkit-box-align:start;-webkit-align-items:flex-start;align-items:flex-start;-ms-flex-align:start;}.ha-flex-y-center{-webkit-box-align:center;-webkit-align-items:center;align-items:center;-ms-flex-align:center;}.ha-flex-y-bottom{-webkit-box-align:end;-webkit-align-items:flex-end;align-items:flex-end;-ms-flex-align:end;}.elementor-swiper .swiper .elementor-swiper-button-prev{left:60px;}.elementor-swiper .swiper .elementor-swiper-button-next{right:60px;}.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none !important;}@media screen and (max-height: 1024px){.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none !important;}.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload).nitro-lazy,.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload) *.nitro-lazy{background-image:none !important;}}@media screen and (max-height: 640px){.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none !important;}.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload).nitro-lazy,.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload) *.nitro-lazy{background-image:none !important;}}.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload).nitro-lazy,.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload) *.nitro-lazy{background-image:none !important;}